Update on NataliaNatalia sells women's clothing. Despite her limited experience of only three years, she is doing very well. Thanks to the last loan from Kiva, Natalia was able to increase her product turnover, ultimately increasing her profit. Recently, Natalia's family has grown in size. She gave birth to a child. Despite the added hassle, Natalia is continuing to run her business since it is the the main source of income for her family.
Natalia is asking for a loan of 22,000 hryvni so she can expand her clothing inventory for the fall and winter seasons. Just like the last time, she is hoping to increase her sale volume, thus, increasing her profit.
Недавно семья Натальи увеличилась. Она родила ребенка. Несмотря на то, что хлопот добавилось, Наталья продолжает заниматься бизнесом, т.к. это основной доход для ее семьи.
Наталья просит предоставить ей кредит на закупку осеннего и зимнего товара в размере 22,000 гривен. Как и в прошлый раз, она надеется увеличить объем продаж и соответственно свою прибыль.
Previous Loan DetailsNataliya is married and has one son. For the last three years she has been selling women's clothes - blouses, skirts, dresses, suits and pants. Her business model involves offering a large variety of items so that her customers could find what suits them. Nataliya's clients can buy inexpensive… More from Natalia's previous loan »
About HOPE UkraineHOPE International, a Christian faith-based non-profit organization, has been operating in Ukraine since 1997. HOPE Ukraine was the organization’s first international venture. In addition to its core microfinance activities, HOPE also supports an active children's ministry in Ukraine in the form of “Tomorrow Clubs,” after-school programs that teach children the gospel through games, skits and songs.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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